Columbia Financial Inc. (CLBK) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q2 26	$0.07	$0.15	+114.3%	—	—	—
Q1 26	$0.07	$0.07	0.0%	—	$67.1M	—
Q4 25	$0.07	$0.07	0.0%	—	$68.8M	—
Q2 25	$0.05	$0.06	+20.0%	—	$63.9M	—
Q1 25	$0.04	$0.04	0.0%	—	$58.8M	—
Q4 24	$0.03	$0.05	+66.7%	—	$22.7M	—
Q3 24	$0.03	$0.03	0.0%	—	$54.3M	—
Q2 24	$0.02	$0.02	0.0%	—	$53.3M	—
Q1 24	$0.05	-$0.01	-120.0%	—	$49.7M	—
Q4 23	$0.03	$0.05	+66.7%	—	$56.6M	—
Q3 23	$0.07	$0.09	+28.6%	—	$57.1M	—
Q2 23	$0.13	$0.02	-84.6%	—	$50.6M	—
Q1 23	$0.19	$0.18	-5.3%	—	$68.9M	—
Q4 22	$0.21	$0.21	0.0%	—	$75.9M	—
Q3 22	$0.21	$0.19	-9.5%	—	$77.3M	—
Q2 22	$0.22	$0.22	0.0%	—	$74.2M	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$0.51	—	—	$258.7M	—
FY24	—	-$0.11	—	—	$179.9M	—
FY23	—	$0.35	—	—	$233.3M	—
FY22	—	$0.82	—	—	$297.2M

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$143.9M	$157M	$185.7M	$204M	$252.8M	$272M	$297.2M	$233.3M	$179.9M	$258.7M
YoY change	—	+9.04%	+18.3%	+9.85%	+23.9%	+7.56%	+9.27%	-21.5%	-22.9%	+43.8%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	143.9M	157M	185.7M	204M	252.8M	272M	297.2M	233.3M	179.9M	258.7M
Cost of revenue	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	65.6M	71M	85.9M	89.1M	105.2M	104.3M	122.4M	132.3M	119.6M	128.4M
Operating expenses	65.6M	71M	85.9M	89.1M	105.2M	104.3M	122.4M	132.3M	119.6M	128.4M
Operating income	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—
Pretax income	49.8M	47.1M	33.7M	71.1M	76.3M	126.2M	116.9M	46.1M	-15.9M	68M
Income tax	16.8M	16M	10.9M	16.4M	18.7M	34.1M	30.7M	10M	-4.3M	16.2M
Net income	33M	31.1M	22.7M	54.7M	57.6M	92M	86.2M	36.1M	-11.7M	51.8M
Net margin	22.9%	19.8%	12.2%	26.8%	22.8%	33.8%	29%	15.5%	-6.48%	20%
EBITDA	—	—	—	—	—	—	—	—	—	—
EPS	0.28	0.27	0.2	0.49	0.52	0.88	0.82	0.35	-0.11	0.51
Diluted EPS	0.28	0.27	0.2	0.49	0.52	0.88	0.81	0.35	-0.11	0.51

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26
Revenue	50.6M	57.1M	56.6M	49.7M	53.3M	54.3M	22.7M	58.8M	63.9M	67.3M	68.8M	67.1M
Cost of revenue	—	—	—	—	—	—	—	—	—	—	—	—
Gross profit	—	—	—	—	—	—	—	—	—	—	—	—
Gross margin	—	—	—	—	—	—	—	—	—	—	—	—
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	35M	30.8M	34M	30.5M	30.2M	30M	28.9M	31M	31.2M	31.5M	34.6M	33.3M
Operating expenses	35M	30.8M	34M	30.5M	30.2M	30M	28.9M	31M	31.2M	31.5M	34.6M	33.3M
Operating income	—	—	—	—	—	—	—	—	—	—	—	—
Operating margin	—	—	—	—	—	—	—	—	—	—	—	—
Non-operating income, net	—	—	—	—	—	—	—	—	—	—	—	—
Pretax income	1.9M	11.8M	7.4M	-1.3M	4.8M	7.3M	-26.8M	12M	16.5M	19.8M	19.6M	18.7M
Income tax	257K	2.7M	865K	-129K	279K	1.1M	-5.5M	3.1M	4.2M	5M	4M	5.6M
Net income	1.7M	9.1M	6.6M	-1.2M	4.5M	6.2M	-21.2M	8.9M	12.3M	14.9M	15.7M	13.1M
Net margin	3.29%	16%	11.6%	-2.33%	8.52%	11.4%	-93.4%	15.1%	19.3%	22.1%	22.8%	19.5%
EBITDA	—	—	—	—	—	—	—	—	—	—	—	—
EPS	0.02	0.09	0.06	-0.01	0.04	0.06	-0.21	0.09	0.12	0.15	0.15	0.13
Diluted EPS	0.02	0.09	0.06	-0.01	0.04	0.06	-0.21	0.09	0.12	0.15	0.15	0.13

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	—	—	774.2M	855.5M	776.3M	987.6M	1B	899.6M	730.7M	719.2M	1.1B
Enterprise value	—	—	888.3M	1.1B	-164.3M	-409.9M	656.8M	911.5M	749.4M	760.6M	3.2B
Shares outstanding	115.9M	115.9M	111.4M	111.1M	109.8M	104.2M	105.6M	102.7M	101.7M	101.8M	101.8M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	—	—	34.1	15.6	13.5	10.7	12	24.9	—	13.9	20.2
P/S	—	—	4.17	4.19	3.07	3.63	3.49	3.86	4.06	2.78	4.33
P/B	—	—	0.8	0.87	0.77	0.92	0.98	0.86	0.68	0.62	2.13
EV/Sales	—	—	4.78	5.34	-0.65	-1.51	2.21	3.91	4.17	2.94	12
Earnings yield	—	—	2.94%	6.4%	7.42%	9.32%	8.31%	4.01%	—	7.2%	4.95%
FCF yield	—	—	5.6%	0.29%	5.72%	9.44%	13%	3.68%	3.54%	8.14%	4.56%
PEG	—	—	—	—	—	—	—	—	—	—	0.45

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Operating margin	—	—	—	—	—	—	—	—	—	—	32.6%
Net margin	22.9%	19.8%	12.2%	26.8%	22.8%	33.8%	29%	15.5%	-6.48%	20%	21.8%
ROE	7.5%	6.53%	2.34%	5.57%	5.7%	8.53%	8.18%	3.47%	-1.08%	4.46%	5.02%
ROA	—	—	—	—	—	—	—	—	-0.11%	0.47%	0.51%
Return on tangible assets	—	—	—	—	—	—	—	—	-0.11%	0.48%	0.51%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Debt / equity	1.44	1.46	1.22	1.43	0.79	0.35	1.07	1.47	1	1.02	0.01
Debt / assets	—	—	—	—	—	—	—	—	0.1	0.11	0.11
Effective tax rate	33.8%	34%	32.5%	23%	24.5%	27.1%	26.3%	21.6%	0%	23.9%	25%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	1.24	1.35	1.67	1.84	2.3	2.61	2.81	2.27	1.77	2.54	1.2
EPS (basic)	0.28	0.27	0.2	0.49	0.52	0.88	0.82	0.35	-0.11	0.51	0.51
EPS (diluted)	0.28	0.27	0.2	0.49	0.52	0.88	0.81	0.35	-0.11	0.51	0.55
Book value per share	3.79	4.11	8.73	8.84	9.21	10.4	9.98	10.1	10.6	11.4	5.22
FCF per share	0.48	0.25	0.39	0.02	0.4	0.89	1.28	0.32	0.25	0.58	0.63
Cash per share	7.05	5.68	9.65	10.6	15.9	17	14.3	14.8	10.4	11.2	4.09
Capex per share	0.03	0.06	0.12	0.17	0.04	0.03	0.05	0.07	0.06	—	—

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	2.55%	4.15%	7.14%	9.48%	1.83%	1.33%	1.83%	3.27%	3.46%	—	—
Capex / operating cash flow	7.08%	43.2%	33.6%	121.6%	397.9%	3.34%	5.29%	47%	-45.9%	—	—
Payout ratio	—	—	—	—	—	—	—	—	—	—	0%
Dividend yield	—	—	—	—	—	—	—	—	—	—	1.77%

Yield

1.77%

trailing twelve months

Frequency

—

Last dividend

$0.05

ex-dividend Aug 12, 2026

Payout ratio

of earnings

Dividend growth

0 years

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Aug 12, 2026	$0.05

Split history

Date	Ratio
Jul 21, 2026	22:10

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26
Revenue	$50.6M	$57.1M	$56.6M	$49.7M	$53.3M	$54.3M	$22.7M	$58.8M	$63.9M	$67.3M	$68.8M	$67.1M
YoY change	-31.8%	-26.1%	-25.5%	-28%	+5.25%	-5.03%	-59.9%	+18.4%	+19.9%	+24%	+202.8%	+14.2%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	817.5M	776.1M	1.1B	1.2B	1.7B	1.8B	1.5B	1.5B	1.1B	1.1B
Receivables	13.2M	15.9M	18.9M	22.1M	29.5M	28.3M	33.9M	39.3M	40.4M	41.5M
Inventory	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	13.8M	18.6M	28M	45.6M	44.5M	41.8M	44.8M	46.2M	51.9M	52.8M
Goodwill & intangibles	12.2M	12M	12.2M	137.2M	174.8M	183.4M	250.3M	246.7M	242M	240.6M
Total assets	—	—	—	—	—	—	—	—	10.5B	11B
Accounts payable	—	—	—	—	—	—	—	—	—	—
Short-term debt	127.4M	46M	159.6M	107.8M	0	—	—	—	—	—
Total current liabilities	—	—	—	—	—	—	—	—	—	—
Long-term debt	504.6M	873.1M	1B	1.3B	799.4M	377.3M	1.1B	1.5B	1.1B	1.2B
Total liabilities	—	—	—	—	—	—	—	—	9.4B	9.9B
Shareholders' equity	439.7M	472.1M	972.1M	982.5M	1B	1.1B	1.1B	1B	1.1B	1.2B
Total debt	632M	919.1M	1.2B	1.4B	799.4M	377.3M	1.1B	1.5B	1.1B	1.2B
Net debt	586.3M	853.6M	1.1B	1.3B	376.4M	306.3M	947.8M	1.1B	791.4M	842.7M

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26
Cash & short-term investments	1.1B	1.2B	1.5B	1.6B	1.7B	1.6B	1.1B	1.1B	1B	1B	1.1B	1.1B
Receivables	35.2M	37M	39.3M	41.6M	41.3M	41.7M	40.4M	41.9M	41.2M	42.2M	41.5M	41.8M
Inventory	—	—	—	—	—	—	—	—	—	—	—	—
Total current assets	—	—	—	—	—	—	—	—	—	—	—	—
Property, plant & equipment	—	—	46.2M	—	—	—	51.9M	—	—	—	52.8M	—
Goodwill & intangibles	124.5M	123.9M	246.7M	122.7M	122.1M	121.6M	242M	120.5M	120M	120.9M	240.6M	119.7M
Total assets	—	—	—	10.6B	10.8B	10.7B	10.5B	10.6B	10.7B	10.9B	11B	11B
Accounts payable	—	—	—	—	—	—	—	—	—	—	—	—
Short-term debt	—	—	—	—	—	—	—	—	—	—	—	—
Total current liabilities	—	—	—	—	—	—	—	—	—	—	—	—
Long-term debt	1.1B	1.4B	1.5B	1.5B	1.7B	1.4B	1.1B	1.1B	1.3B	1.3B	1.2B	1.2B
Total liabilities	—	—	—	9.6B	9.7B	9.6B	9.4B	9.5B	9.6B	9.7B	9.9B	9.8B
Shareholders' equity	1B	1B	1B	1B	1B	1.1B	1.1B	1.1B	1.1B	1.1B	1.2B	1.2B
Total debt	1.1B	1.4B	1.5B	1.5B	1.7B	1.4B	1.1B	1.1B	1.3B	1.3B	1.2B	1.2B
Net debt	1B	1.2B	1.1B	1.2B	1.3B	1.1B	791.4M	851.5M	1B	1B	842.7M	966.5M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	33M	31.1M	22.7M	54.7M	57.6M	92M	86.2M	36.1M	-11.7M	51.8M
Depreciation & amortization	3.3M	3.5M	3.8M	5M	10.4M	11.6M	13.4M	14.3M	14.6M	15M
Stock-based compensation	0	0	2.6M	7.3M	12M	12.9M	12.3M	12.1M	10.3M	8.2M
Change in working capital	-2.1M	-13.2M	-14.7M	-52.8M	-81.9M	-20.1M	-14.6M	-39.4M	-13.5M	-30.5M
Operating cash flow	51.8M	15.1M	39.4M	15.9M	1.2M	108.2M	102.6M	16.2M	-13.6M	68.4M
Capital expenditure	-3.7M	-6.5M	-13.3M	-19.3M	-4.6M	-3.6M	-5.4M	-7.6M	-6.2M	—
Investing cash flow	-101.9M	53.7M	-410.4M	-41.1M	190.8M	-334.3M	371.7M	244.3M	97M	-47.6M
Dividends paid	—	—	—	—	—	—	—	—	—	—
Share repurchases	0	0	0	-56M	-108.4M	-108.1M	-98.6M	-81.1M	-6.7M	-13.8M
Financing cash flow	-16.1M	48.9M	758.1M	82.2M	-758.8M	-588.5M	653M	318.3M	-456.3M	89.4M
Net change in cash	-66.3M	117.7M	387.1M	57M	-566.9M	-814.7M	1.1B	578.8M	-372.8M	110.2M
Free cash flow	55.3M	29.5M	43.3M	2.5M	44.4M	93.2M	135M	33.1M	25.9M	58.6M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26
Net income	1.7M	9.1M	6.6M	-1.2M	4.5M	6.2M	-21.2M	8.9M	12.3M	14.9M	15.7M	13.1M
Depreciation & amortization	3.6M	3.6M	3.6M	3.6M	3.7M	3.6M	3.7M	3.6M	3.7M	3.8M	3.9M	3.9M
Stock-based compensation	3M	3.3M	2.8M	3M	3.1M	2.2M	2M	2M	2.1M	2M	2M	2M
Change in working capital	3.9M	-10.2M	-17.7M	-6.7M	-3.5M	-20.2M	16.9M	-168K	200K	3.5M	-34.1M	-6.8M
Operating cash flow	7.7M	4M	-3.3M	-3M	6.1M	-9.9M	-8.5M	12.5M	14.6M	31M	24.4M	3.1M
Capital expenditure	-1.1M	-2.5M	-2.3M	-1.7M	-1.4M	-1.5M	-1.7M	-2.9M	—	—	—	—
Investing cash flow	284.4M	-59.1M	-27.7M	-102M	-97.6M	54.5M	242.1M	-46.9M	28.6M	-3.3M	-27.5M	-80.7M
Dividends paid	—	—	—	—	—	—	—	—	—	—	—	—
Share repurchases	-22M	-9.3M	-2.3M	-1.8M	-4.3M	-495K	-127K	-130K	-49K	-2.8M	-10.8M	-103K
Financing cash flow	-607.9M	220.9M	170.9M	2.3M	151.1M	-268.8M	-341M	28.7M	167.2M	-17.2M	-89.3M	62M
Net change in cash	-315.7M	165.7M	139.9M	-102.6M	59.6M	-224.2M	-107.3M	-5.7M	210.4M	10.5M	-92.4M	-15.5M
Free cash flow	32.4M	40.8M	-34.8M	12.5M	17.2M	-31.1M	27.3M	-4.5M	12.9M	28.1M	22M	1.3M

Columbia Financial Inc. Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Split history

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement